Aditya Birla Sun Life Liquid Fund

An Open ended Liquid Scheme. A relatively low interest rate risk and moderate credit risk.

June 2026

Debt Scheme


Investment Objective
The objective of the scheme is to provide reasonable returns at a high level of safety and liquidity through Investment Objective judicious investments in high quality debt and money market instruments. The Scheme does not guarantee/indicate any returns. There is no assurance that the objective of the Scheme will be achieved.
Fund Category: Liquid Fund
Scheme Rating: [ICRA]A1+mfs/ CARE AAA mfs
Fund Snapshot
Date of Allotment : Jun 16, 1997
Benchmark: Nifty Liquid Index A-I
Fund Manager - Mr. Kaustubh Gupta
Managing the Fund Since: July 15, 2011
Experience in Managing the Fund: 15.0 Years
Fund Manager - Ms. Sunaina Da Cunha
Managing the Fund Since: Jun 09, 2021
Experience in Managing the Fund: 5.1 Years
Fund Manager - Mr. Sanjay Pawar
Managing the Fund Since: July 01, 2022
Experience in Managing the Fund: 4.0 Years
SIP:
Daily/Weekly/Monthly: Minimum ₹ 100/-and in multiples of ₹ 1/- thereafter
Application Amount for fresh subscription:
₹ 100 (plus in multiplies of ₹ 1)
Minimum Additional Investment:
₹ 100 (plus in multiplies of ₹ 1)
Load Structure (as % of NAV) (Incl. for SIP)
Entry Load: NIL
Exit Load: Day 1 -0.0070%; Day 2 -0.0065%; Day 3- 0.0060%; Day 4-0.0055%; Day 5-0.0050%; Day 6 -0.0045%; Day 7-0.0000%
AUM as on June 30, 2026 (in ₹Crore)
Month End AUM 63,445.66
Monthly Average AUM 63,765.90
Base Expense Ratio (BER)
Regular 0.30%
Direct 0.18%
BER excludes brokerage incurred towards execution of trades, transaction cost & statutory levies as applicable to investors.
NAV as on June 30, 2026
Regular Growth 447.28
Regular IDCW$ 100.20
Regular IDCW$ 103.69
Regular IDCW$ 100.29
Retail Growth 724.17
Retail IDCW$ 163.69
IP Growth 743.14
IP IDCW$ 108.02
IP IDCW$ 108.07
Direct Growth 453.29
Direct IDCW$ 100.20
Direct IDCW$ 136.33
Direct IDCW$ 100.29

$Income Distribution cum capital withdrawal

Note: Standard Deviation, Sharpe Ratio & Beta are calculated on Annualised basis using 3 years history of monthly returns.
Risk Free Rate assumed to be 5.5 % (FBIL OvernightMIBOR as on 30 June, 2026) for calculating SharpeRatio
Top 10 Sectoral Contribution (in %)
Rating Profile of Portfolio
Instrument Profile
Instrument Name
% Net Assets
Certificate of Deposit
38.81%
Commercial Papers
36.35%
Sovereign
12.09%
Cash & cash equivalent
7.84%
Bonds & Debentures
4.72%
Others
0.20%
Debt Quants
Modified Duration
0.18 years
Average Maturity
0.18 years
Yield to Maturity
6.49%
Macaulay Duration
0.18 years
Standard Deviation
0.21% years
Portfolio Holdings as on June 30, 2026
( • Top Ten Holdings - Issuerwise)
Sector/Issuer Name
Rating
% to Net Assets
Debt & Debt Related    
Money Market Instruments   85.45%
● HDFC Bank Limited ICRA A1+ 2.25%
● City Union Bank Limited ICRA A1+ 1.86%
● National Bank For Agriculture and Rural Development ICRA A1+ 1.59%
● Bank of Baroda CARE A1+ 1.56%
● Union Bank of India ICRA A1+ 1.55%
● Sundaram Finance Limited ICRA A1+ 1.51%
Central Bank of India CRISIL A1+ 1.25%
Bank of Baroda CARE A1+ 1.17%
ICICI Bank Limited ICRA A1+ 1.16%
Union Bank of India ICRA A1+ 1.16%
IndusInd Bank Limited CRISIL A1+ 1.09%
Export Import Bank of India ICRA A1+ 0.97%
IndusInd Bank Limited CRISIL A1+ 0.93%
The Jammu & Kashmir Bank Limited CRISIL A1+ 0.93%
DBS Bank Ltd/India CRISIL A1+ 0.93%
HDFC Bank Limited ICRA A1+ 0.93%
L&T Metro Rail Hyderabad Ltd CRISIL A1+ 0.93%
Canara Bank ICRA A1+ 0.89%
Canara Bank ICRA A1+ 0.79%
National Bank For Agriculture and Rural Development ICRA A1+ 0.79%
National Bank for Financing Infrastructure and Dev IND A1+ 0.78%
360 ONE Prime Ltd ICRA A1+ 0.78%
National Bank For Agriculture and Rural Development ICRA A1+ 0.78%
Canara Bank ICRA A1+ 0.78%
Punjab & Sind Bank ICRA A1+ 0.78%
Bank of Baroda CARE A1+ 0.78%
ICICI Bank Limited ICRA A1+ 0.78%
Canara Bank ICRA A1+ 0.78%
Central Bank of India CRISIL A1+ 0.78%
Bank of Baroda CARE A1+ 0.78%
HDFC Bank Limited ICRA A1+ 0.78%
LIC Housing Finance Limited ICRA A1+ 0.78%
PNB Housing Finance Limited CRISIL A1+ 0.78%
Axis Bank Limited ICRA A1+ 0.77%
HDFC Bank Limited ICRA A1+ 0.77%
Punjab National Bank ICRA A1+ 0.77%
DCB Bank Limited CRISIL A1+ 0.77%
Reliance Retail Ventures Limited CRISIL A1+ 0.77%
IIFL Finance Limited ICRA A1+ 0.77%
HDFC Bank Limited ICRA A1+ 0.70%
Larsen & Toubro Limited ICRA A1+ 0.70%
ICICI Securities Limited ICRA A1+ 0.70%
Union Bank of India ICRA A1+ 0.62%
ONGC Petro Additions Limited ICRA A1+ 0.62%
IndusInd Bank Limited CRISIL A1+ 0.62%
The Jammu & Kashmir Bank Limited CRISIL A1+ 0.62%
The Jammu & Kashmir Bank Limited CRISIL A1+ 0.62%
Punjab & Sind Bank ICRA A1+ 0.62%
Punjab & Sind Bank ICRA A1+ 0.62%
IIFL Finance Limited ICRA A1+ 0.62%
Bharti Telecom Limited ICRA A1+ 0.57%
Can Fin Homes Limited ICRA A1+ 0.55%
TATA COMMUNICATIONS LIMITED CRISIL A1+ 0.54%
Tata Housing Development Company Limited CARE A1+ 0.53%
Mindspace Business Parks REIT ICRA A1+ 0.52%
Axis Bank Limited ICRA A1+ 0.51%
Export Import Bank of India ICRA A1+ 0.50%
Standard Chartered Capital Limited ICRA A1+ 0.50%
Axis Bank Limited ICRA A1+ 0.50%
HDFC Bank Limited ICRA A1+ 0.47%
Hero Fincorp Limited ICRA A1+ 0.47%
Sikka Ports and Terminals Limited CRISIL A1+ 0.47%
Tata Capital Housing Finance Limited ICRA A1+ 0.47%
AU Small Finance Bank Limited CRISIL A1+ 0.47%
Central Bank of India CRISIL A1+ 0.47%
Bajaj Financial Securities Limited CRISIL A1+ 0.47%
Tata Teleservices Maharashtra Limited CRISIL A1+ 0.46%
VEDANTA POWER LIMITED ICRA A1+ 0.46%
Export Import Bank of India ICRA A1+ 0.43%
Bharti Telecom Limited ICRA A1+ 0.43%
Bajaj Housing Finance Limited CRISIL A1+ 0.39%
Tata Capital Housing Finance Limited ICRA A1+ 0.39%
Godrej & Boyce Manufacturing Co Limited ICRA A1+ 0.39%
Godrej Consumer Products Limited ICRA A1+ 0.39%
Can Fin Homes Limited ICRA A1+ 0.39%
Bank of Baroda CARE A1+ 0.39%
Adani Ports and Special Economic Zone Limited ICRA A1+ 0.39%
Knowledge Realty Trust CRISIL A1+ 0.39%
Canara Bank ICRA A1+ 0.39%
DBS Bank Ltd/India CRISIL A1+ 0.39%
Karur Vysya Bank Limited ICRA A1+ 0.39%
Julius Baer Capital India Private Limited ICRA A1+ 0.39%
DCB Bank Limited CRISIL A1+ 0.39%
Manappuram Finance Limited CRISIL A1+ 0.39%
HDFC Bank Limited ICRA A1+ 0.39%
Sharekhan Ltd ICRA A1+ 0.39%
DBS Bank Ltd/India CRISIL A1+ 0.39%
Canara Bank ICRA A1+ 0.39%
HDFC Bank Limited ICRA A1+ 0.39%
Kotak Securities Limited ICRA A1+ 0.39%
City Union Bank Limited ICRA A1+ 0.39%
NTPC Limited ICRA A1+ 0.39%
Hindustan Petroleum Corporation Limited ICRA A1+ 0.39%
Nuvama Wealth & Investment Ltd ICRA A1+ 0.39%
CESC Limited ICRA A1+ 0.39%
Union Bank of India ICRA A1+ 0.39%
IDFC First Bank Limited CRISIL A1+ 0.39%
Jio Credit Ltd CRISIL A1+ 0.39%
Hindustan Petroleum Corporation Limited ICRA A1+ 0.39%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.39%
Manappuram Finance Limited CRISIL A1+ 0.39%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.39%
TATA Realty & Infrastructure Limited ICRA A1+ 0.37%
Infina Finance Private Limited ICRA A1+ 0.35%
Motilal Oswal Financial Services Limited ICRA A1+ 0.35%
PNB Housing Finance Limited CRISIL A1+ 0.31%
Fedbank Financial Services Ltd ICRA A1+ 0.31%
ICICI Home Finance Company Limited ICRA A1+ 0.31%
Kotak Securities Limited ICRA A1+ 0.31%
Bajaj Finance Limited ICRA A1+ 0.31%
Deutsche Investments India Private Limited ICRA A1+ 0.31%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.31%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.31%
DCB Bank Limited CRISIL A1+ 0.31%
ANGEL ONE LIMITED ICRA A1+ 0.31%
Tata Projects Limited CRISIL A1+ 0.31%
Sector/Issuer Name
Rating
% to Net Assets
DSP Investment Managers Pvt Ltd ICRA A1+ 0.31%
Motilal Oswal Financial Services Limited ICRA A1+ 0.31%
Karur Vysya Bank Limited ICRA A1+ 0.31%
Godrej Finance Ltd ICRA A1+ 0.31%
Kisetsu Saison Finance India Pvt Ltd CRISIL A1+ 0.31%
Julius Baer Capital India Private Limited ICRA A1+ 0.31%
Sharekhan Ltd ICRA A1+ 0.31%
ICICI Securities Limited ICRA A1+ 0.27%
Punjab National Bank ICRA A1+ 0.27%
IDBI Bank Limited ICRA A1+ 0.23%
Hero Fincorp Limited ICRA A1+ 0.23%
Mirae Asset Capital Markets India Pvt Ltd ICRA A1+ 0.23%
HDFC Bank Limited ICRA A1+ 0.23%
GIC Housing Finance Limited ICRA A1+ 0.23%
AU Small Finance Bank Limited CRISIL A1+ 0.23%
Tata Projects Limited CRISIL A1+ 0.23%
Godrej Properties Limited ICRA A1+ 0.23%
Infina Finance Private Limited ICRA A1+ 0.23%
Redington (India) Limited ICRA A1+ 0.23%
IIFL Finance Limited ICRA A1+ 0.23%
Godrej Properties Limited ICRA A1+ 0.20%
Godrej Properties Limited ICRA A1+ 0.20%
Tata Housing Development Company Limited CARE A1+ 0.19%
ICICI Securities Limited ICRA A1+ 0.19%
ICICI Home Finance Company Limited ICRA A1+ 0.16%
Godrej Properties Limited ICRA A1+ 0.16%
Nuvama Clearing Services Ltd ICRA A1+ 0.16%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.16%
Godrej Housing Finance Limited ICRA A1+ 0.16%
AU Small Finance Bank Limited CRISIL A1+ 0.16%
Julius Baer Capital India Private Limited ICRA A1+ 0.16%
Mirae Asset Capital Markets India Pvt Ltd ICRA A1+ 0.16%
National Bank For Agriculture and Rural Development ICRA A1+ 0.16%
Sharekhan Ltd ICRA A1+ 0.16%
Mirae Asset Sharekhan Financial Services Ltd CRISIL A1+ 0.16%
Manappuram Finance Limited CRISIL A1+ 0.15%
SBICAP Securities Limited ICRA A1+ 0.15%
Manappuram Finance Limited CRISIL A1+ 0.15%
Infina Finance Private Limited ICRA A1+ 0.15%
ANGEL ONE LIMITED ICRA A1+ 0.15%
SBICAP Securities Limited ICRA A1+ 0.15%
Cholamandalam Investment and Finance Company Limited ICRA A1+ 0.15%
Manappuram Finance Limited CRISIL A1+ 0.15%
Godrej Properties Limited ICRA A1+ 0.15%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.15%
Redington (India) Limited ICRA A1+ 0.15%
Mirae Asset Sharekhan Financial Services Ltd CRISIL A1+ 0.15%
Nuvama Wealth & Investment Ltd ICRA A1+ 0.15%
Tata Housing Development Company Limited CARE A1+ 0.13%
Godrej Industries Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
HSBC InvestDirect Financial Services India Ltd CRISIL A1+ 0.12%
Kotak Mahindra Prime Limited ICRA A1+ 0.12%
GIC Housing Finance Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Muthoot Finance Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Godrej Industries Limited ICRA A1+ 0.12%
Nuvama Wealth & Investment Ltd ICRA A1+ 0.11%
Godrej Industries Limited ICRA A1+ 0.08%
Hero Housing Finance Ltd ICRA A1+ 0.08%
Hero Housing Finance Ltd ICRA A1+ 0.08%
HDFC Bank Limited ICRA A1+ 0.08%
DSP Investment Managers Pvt Ltd ICRA A1+ 0.08%
AU Small Finance Bank Limited CRISIL A1+ 0.08%
HDFC Bank Limited ICRA A1+ 0.08%
National Bank For Agriculture and Rural Development ICRA A1+ 0.08%
Muthoot Finance Limited ICRA A1+ 0.08%
Godrej Finance Ltd ICRA A1+ 0.08%
AU Small Finance Bank Limited CRISIL A1+ 0.08%
IDBI Capital Markets & Securities Ltd CARE A1+ 0.08%
Manappuram Finance Limited CRISIL A1+ 0.08%
IDBI Capital Markets & Securities Ltd CARE A1+ 0.06%
Cholamandalam Securities Ltd ICRA A1+ 0.06%
Small Industries Development Bank of India CRISIL A1+ 0.04%
TREASURY BILLS   12.15%
● 91 DAYS T-BILL - 06AUG2026 SOV 3.36%
● 182 DAYS T-BILL - 09JULY2026 SOV 2.62%
● 91 DAYS T-BILL - 13AUG2026 SOV 2.46%
● 182 DAYS T-BILL - 23JUL2026 SOV 1.57%
91 DAYS T-BILL - 17SEP2026 SOV 0.78%
364 DAYS T-BILL - 06AUG2026 SOV 0.47%
364 DAYS T-BILL - 30JUL2026 SOV 0.43%
91 DAYS T-BILL - 09JUL2026 SOV 0.31%
182 DAYS T-BILL - 30JUL2026 SOV 0.16%
Fixed rates bonds - Corporate   5.36%
Small Industries Development Bank of India CRISIL AAA 1.17%
National Bank For Agriculture and Rural Development CRISIL AAA 1.02%
India Infradebt Ltd ICRA AAA 0.75%
Power Finance Corporation Limited ICRA AAA 0.63%
Small Industries Development Bank of India CRISIL AAA 0.52%
Aditya Birla Capital Limited ICRA AAA 0.30%
National Bank For Agriculture and Rural Development ICRA AAA 0.24%
HDB Financial Services Limited CRISIL AAA 0.20%
Power Finance Corporation Limited ICRA AAA 0.12%
SMFG India Credit Co. Ltd. ICRA AAA 0.11%
Sundaram Home Finance Limited ICRA AAA 0.10%
Power Finance Corporation Limited ICRA AAA 0.09%
LIC Housing Finance Limited CRISIL AAA 0.08%
Tata Capital Limited CRISIL AAA 0.04%
Government Bond   1.51%
6.97% GOI (MD 06/09/2026) SOV 1.35%
8.33% GOI (MD 09/07/2026) SOV 0.17%
Alternative Investment Funds (AIF)   0.22%
Corporate Debt Market Development Fund   0.22%
State Government bond   0.08%
6.24% MAHARASHTRA 11AUG26 SDL SOV 0.08%
Net Cash and Cash Equivalent   -4.77%
Grand Total   100.00%
Miscellaneous includes securities with exposure of less than 0.01%
Product Label
Scheme Name
Aditya Birla Sun Life Liquid Fund
An Open ended Liquid Scheme. A relatively low interest rate risk and moderate credit risk.
This product is suitable for investors who are seeking*:
  • Reasonable returns with high levels of safety convenience of liquidity over short term
  • Investments in high quality debt and money instruments with maturity of upto 91 days
Risk-o-meter
Benchmark Risk-o-meter
Nifty Liquid Index A-I
*Investors should consult their financial advisors if in doubt whether the product is suitable for them.